Hi, I gave my brother a car of mine as I have a company car. He is only lending it. Showed me the insurance document. Today I get a call to ask if I can get him a letter and a copy of my passport so we can get the car out of the pound! The premium for his insurance didn't get paid and he got stopped. The address of the insurance isn't the same as what he is at now. What I want to know is will I get in trouble and points because of this? I drive for a living and if I get points on my license I will lose my job.

Hi, Today i have received 2 letters from a council I previously lived under. The first one is dated 26th Aug and is a copy bill and is for £445.42. It says it is for 2009/2010. The next is dated 31/08/09 and says at the top NOTIFICATION OF BAILIFF ACTION FOR OUTSTANDING COUNCIL TAX. It goes on to say on Wednesday 12th April 2006 the council was granted a liability order against me for non-payment of council tax. Previous efforts to recover the balance have failed ect ect ect. I have a few problems. I can't remember when I moved out of this address and have no proof of address for this date. I also can not afford to pay the arrears as i am currently on maternity leave and only getting £100 week! Please can someone give me some advise?

Thank you for the advice.....where can I get letter N from? The other question I have is am I right in thinking that if this agreement was from 15th March 2003 after 15th March 2009 they can not chase it anymore?

Hi I put a post in general debt but I am hoping that someone here can help me as I am worried sick. I have copied below the previous post: hi there, I have received a letter from capquest for a Marks and Spencer debt. The debt is for a similar name to mine but not mine. It is in my surname middle initial and then first name. I received 2 letters on the same day. One states that their is a balance of £1596.35 and is suspended from their solicitors until the 7th Jan and that I should call or send payment by 31st December. Alternatively a settlement offer of £1197.26 could be payable over 3 months. This letter arrived on the same day as the second letter that being 15th Jan! The 2nd letter is for a balance of £1607.97. It says despite numerous attempts to assist me to find a solution to settle this account the balance remains unpaid. It says that investigations into my current financial position are now complete and it is unfortunate that we find ourselves preparing a Statutory demand on or around the 21st Jan were it will be personally served upon me. It goes on to say what this means and as one last conciliatory gesture they are offering to clear the account by paying a settlement of £964.78 by 21st Jan. I have no idea when this is from or what it is for, can someone please help....I am 33 weeks pregnant and very scared! Last edited by tryingtosmile; 18th January 2009 at 20:55. tryingtosmile View Public Profile Send a private message to tryingtosmile Find More Posts by tryingtosmile 18th January 2009, 21:44 #2 (permalink) Wilma Shoozfit Basic Account Customer Click here for all your shopping needs. It helps us to pay our way. Get help Give help Donate here. Thank you Give yourself a better chance with our claims guides and litigation kits Defaulted on a disputed account? Supermarkets: Top offers - lowest prices! (advertising link) Join Date : Aug 2008 Posts: 90 Re: capquest debt recovery Hi and Welcome to Cag TTS First of all don't be scared - I know easier said than done. Had a similar letter from Capquest myself last year for an old debt and I hit the panic button. It is wise not to contact these people by phone always get everything in writing. It's not as easy for them to intimidate when they've to put in black and white. It is up to Capquest to prove that you owe the debt. I have cribbed a letter from another Cagger (Thank you Saintly) which you can send Dear Sir/Madam I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY. Account no: You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves. I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name). I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question. I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. I/we look forward to your reply. Yours faithfully (Your Name) Print or type do not sign Amend it to suit and send it off recorded delivery so tyou have a record they have received it Last edited by Wilma Shoozfit; 18th January 2009 at 21:50. Hi guys, I took the advice from Wilma above and sent a copy of the letter to capquest. I have now had a response from them saying: On 22nd November 08 manual trace enquries were carried out at (address where the debt was taken) in order for capquest to locate the correct address for miss ........... ......... ....... they are seeking. Miss .......... ....... ......... address was not removed from our system at this stage and it was deemed by our trace department that that the account may have been opened fraundulently in Miss ......... ........ ......... name. This is due to a link between Miss ......... current address and the original address we held, as well as a link between the properties and the date of birth was a match for both addresses. As a result a letter was sent to Miss .......... to request further details. We are unable to confirm at this stage whether this is fraud or incorrect data held by the credit reference agencies and would therefore request you send proof of address for the 15th March 2003 in order for capquest to carry out a thorough investigation and to resolve this amicably. We will put the account on hold for 21 days. To point out that the debt is for someone with a very similar name to mine, my surname middle initial and then first name. I did live at the address in question at that time and was living in a violent relationship and left the property on regular occastions. Because it was rented when I did just finally flee leaving all my possestions I couldn't get my name removed from the tenancy agreement. I cut all contact with the people who shared the property with myself and violent partner. I have no proof that I lived there and no proof I was at another address and can not really remember what was going on in my life at the time as I was taking drugs to block out the terrible time I was having with my partner. I have now got my life back on track and paid all the debts that I had and I am due to have a baby in 2 weeks. This is very stressful as I did not have this debt and do not no what to do. I am too scared to call them. Please can someone advise me what to do?? Also to note that the address they sent this letter to is not the address I live at anymore it is my parents and I moved out on 31st Jan the letter they sent is dated 29th Jan. My mother only forwarded me the letter 2 days ago!

Hi guys, I took the advice from Wilma above and sent a copy of the letter to capquest. I have now had a response from them saying: On 22nd November 08 manual trace enquries were carried out at (address where the debt was taken) in order for capquest to locate the correct address for miss ........... ......... ....... they are seeking. Miss .......... ....... ......... address was not removed from our system at this stage and it was deemed by our trace department that that the account may have been opened fraundulently in Miss ......... ........ ......... name. This is due to a link between Miss ......... current address and the original address we held, as well as a link between the properties and the date of birth was a match for both addresses. As a result a letter was sent to Miss .......... to request further details. We are unable to confirm at this stage whether this is fraud or incorrect data held by the credit reference agencies and would therefore request you send proof of address for the 15th March 2003 in order for capquest to carry out a thorough investigation and to resolve this amicably. We will put the account on hold for 21 days. To point out that the debt is for someone with a very similar name to mine, my surname middle initial and then first name. I did live at the address in question at that time and was living in a violent relationship and left the property on regular occastions. Because it was rented when I did just finally flee leaving all my possestions I couldn't get my name removed from the tenancy agreement. I cut all contact with the people who shared the property with myself and violent partner. I have no proof that I lived there and no proof I was at another address and can not really remember what was going on in my life at the time as I was taking drugs to block out the terrible time I was having with my partner. I have now got my life back on track and paid all the debts that I had and I am due to have a baby in 2 weeks. This is very stressful as I did not have this debt and do not no what to do. I am too scared to call them. Please can someone advise me what to do?? Also to note that the address they sent this letter to is not the address I live at anymore it is my parents and I moved out on 31st Jan the letter they sent is dated 29th Jan. My mother only forwarded me the letter 2 days ago!

Thanks for you help, I will try this and see where it gets me!!

hi there, I have received a letter from capquest for a Marks and Spencer debt. The debt is for a similar name to mine but not mine. It is in my surname middle initial and then first name. I received 2 letters on the same day. One states that their is a balance of £1596.35 and is suspended from their solicitors until the 7th Jan and that I should call or send payment by 31st December. Alternatively a settlement offer of £1197.26 could be payable over 3 months. This letter arrived on the same day as the second letter that being 15th Jan! The 2nd letter is for a balance of £1607.97. It says despite numerous attempts to assist me to find a solution to settle this account the balance remains unpaid. It says that investigations into my current financial position are now complete and it is unfortunate that we find ourselves preparing a Statutory demand on or around the 21st Jan were it will be personally served upon me. It goes on to say what this means and as one last conciliatory gesture they are offering to clear the account by paying a settlement of £964.78 by 21st Jan. I have no idea when this is from or what it is for, can someone please help....I am 33 weeks pregnant and very scared!